Side-by-side · Q2 2026 data
Hometown Bank vs First Bank of Central Ohio
Metric by metric
| Measure | Hometown Bank | First Bank of Central Ohio |
|---|---|---|
| TellerScore | 54 (stronger) | 46 |
| Capital cushion | 32 | 49 (stronger) |
| Loan quality | 80 (stronger) | 51 |
| Earnings | 27 (stronger) | 11 |
| Funding & liquidity | 67 (stronger) | 55 |
| Problem-loan coverage | 89 (stronger) | 78 |
| Peer percentile | 10th | 5th |
| Total assets | $254.9M | $260.9M |
| Deposits / shares | $216.8M | $232.4M |
| Capital ratio | 8.17% | 9.86% (stronger) |
| Problem loans | 0.61% (stronger) | 1.48% |
| Net charge-offs | 0.00% (stronger) | 0.63% |
| Return on assets | 0.19% (stronger) | -0.23% |
| Loans ÷ deposits | 88.3% | 84.9% (stronger) |
| Uninsured deposits | 19.2% (stronger) | 33.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
Hometown Bank has the higher TellerScore (54 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Hometown Bank leads on 5 and First Bank of Central Ohio on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.